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Selected Publications

Distribution of Financial services to Low-Income Markets

Pulling Levers Toward Sustainability; A Framework for Small Deposit Mobilization, UNCDF MiroLead Program December 2017.

Responsible Bundling of Microfinance ServicesCGAP, the Microinsurance Centre, May 2016.

The Right Touch - Reducing Distribution Costs in Alternative Channels for MicroinsuranceMicroinsurance Centre, May 2014.

Protecting those Left Behind: An Experimental Study of Life Microinsurance Purchase Decisions of Compartamos Banco's Borrowers in Mexico, Mircoinsurance Centre, January 2013.

  A Microinsurance Puzzle: How Do Demand Factors Link to Client Value? Microinsurance Centre, January 2012.

Extending Social Insurance to Informal Sector Workers in Nicaragua via Microfinance InstitutionsUnited States Agency for International Development, October 2009.

Person-To-Person Lending: Is Financial Democracy a Click Away? US Agency for International Development, September 2008.  

Health Financing for Low Income Households

Dont' Cover Everything: why targeted health microinsurance can work better than full coverageNext Billion, February 2015.

Doing the Math: Women's Health Microinsurance in GuatemalaMicroinsurance Centre, October 2013.

Balancing Client Value and Business Case in Kenya Health MicroinsuranceMicroinsurance Centre, March 2013.

Access to Health Services: links to adequate services and financing, presented at Foromic 2012.

Extending Insurance to Informal Sector Workers in Nicaragua via Microfinance Institutions: results from a randomized evaluationUSAID, October 2009.

Issue Brief—Access to HealthEA Consultants.

Migrants and Financial Inclusion

Insurance Mechanisms to Help Migrants Caught in Countries Experiencing Crisis- Issue Brief, MICIC Initiative (Co-chaired by the Government of the Philippines and the United States of America). March 2016.

Immigrant Financial Services Study, New York City Department of Consumer Affairs, November 2013.

Formalizing the Informal Insurance Inherent in Migration: Exploring the Potential Links Between Migration, Remittance and MircoinsuranceMircoinsurance Innovation Facility, March 2011.

Hand out or Hand Up: Microfinance, Remittances and Entrepreneurship in NicaraguaMicrofinance Gateway, November 2007.

Value and Impact of Financial Services

Measuring Social Impact in Microfinance, Triple Jump. March 2014

Is there value in microinsurance? Microinsurance Innovation Facility, January 2014.

Do Clients Get Value from Microinsurance?: A Systematic Review of Recent and Current ResearchMicroinsurance Centre, March 2011.

Consumer Protection 

Selling Without Selling Out: How to Avoid Harmful Sales Tactics in Financial Inclusion, NextBillion, 2018

Pure Intentions and Practice: Challenges and Good Practices in Consumer Protection in MircoinsuranceMircoinsurance Network, 2013.


Financial Capabilities Solutions; What MicroBusiness Owners Want (or Don't). CFED, March 2015

Building Up Business: Microenterprise Demand for Credit in the CaribbeanInter-American Development Bank/FOMIN, May 2014.

In Search of Solid Ground: Understanding the Financial Vulnerabilities of Microbusiness Owners,  Corporation for Enterprise Development, April 2014.

Pure Perseverance: A study of women's small businesses in Colombia. Inter-American Development Bank/FOMIN, 2013.  

Economic and Financial Systems and Financial Inclusion 

Open for Business: Supporting a Sustainable Microfinance Industry in the Caribbean, Inter-American Development Bank/FOMIN, 2015.

Will the Bottom of the Pyramid Hit Bottom? The Effects of the Global Credit Crisis on the Microfinance Sector, US Agency for International Development, March 2009.

Review of DCA Credit Guarantee for MFI Access to Commercial Credit in Mexico: The Unión Progreso Case, United States Agency for International Development, March 2006.

Other Publications and Articles of Interest:

Are the Poor, Especially Women, Being Squeezed Out of the MFIs Set Up to Serve Them? International Banker, August 2015.

Hard times pushing mirco-entrepreneurs to save—study, Jamaica Observer, June 2014.

¡Dinero! The Economics of Mexican Migration: May 9 with Former Los Angeles Mayor Antonio Villaraigosa, Lehman Today, May 2014.

Deflating the Promise of Using Remittances to Cope with Financial Shocks, Financial Access Initiative, March 2014.

Microfinance: does it pay off for the poor? The Guardian, 2014

Studying MicroEnsure’s “Obra Pa” Insurance in Ghana, Making Finance Work for Africa, November 2013.

Barbara Magnoni on microfinance product design, Innovatios for Poverty Action, October 2010.

Adrian Franco is Giving Immigrants Tools to Improve their Financial Lives, Daily Kos, August 2010.

Migrantes, nicho de oportunidad para aseguradoras, El Economista, May 2010.

Paper Wrap-up: Will the Bottom of the Pyramid Hit Bottom? MicroCapital Monitor, May 2009.

Jackson Heights Festival: Film and Food Like No Other, The Daily Kos, October 2009.

Haitian Diaspora Unites Across U.S., The Huffington Post. May 2009.

Small Fortunes, The Banker, October 2008.


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Conozca EA Consultants, YouTube, 2017

Health Mircoinsurance Webinar, SEEP Network, October 2013.

MILK Client Value Reflections after a Hurricane in NYC, November 2012.

MILK Client Math Field Work 2011, November 2011.

Estudios › ¿Qué factores limitan la relación de las mujeres con las microfinanzas? FOMIN/IDB, February 2011.

Microinsurance in Colombia After Floods: Microentrepreneur experience, January 2011.

Meeting the Insurance Needs of Low-Income Migrants and their Families, Mircoinsurance Innovation Facility, December 2010.